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Business Risk Management

Your business is our business.

As a business owner, you have an endless array of documents available to tell you daily how much money it takes to keep your business going. You're on top of it and, no doubt, take great pride in what you're building. And that's one of the best reasons to protect it against the risks of death or disability.

Keep your business running in the event of disability

Like most entrepreneurs, seeing your business grow and succeed is the fulfillment of a lifetime goal. But what would happen to it if you became disabled? Would the business be able to continue without you?

Unfortunately, overhead expenses don't stop if a disability causes your business's income to be drastically reduced or even stop. Disability overhead expense insurance reimburses certain business expenses to help keep your business running.

Protect your business against the loss of yourself or a key employee

You can't prevent the sudden loss of a key contributor to your business, but you can minimize the impact felt by disability or death—with key person insurance.

Key person life and key person disability insurance pays benefits directly to your business at a time when it's needed the most. Businesses frequently use the proceeds to hire and train a replacement and to cover potentially increased costs and loss of cash flow.

Key person insurance may also be used as an incentive to proactively recruit and retain valued employees. Under certain circumstances, employers may offer the cash value of a life insurance policy to a key employee in return for a commitment to stay with the company for a designated period of time.

Take the next step.

Our financial advisors can help you plan and manage your business with products and services that work with your financial plan.

Northwestern Mutual is the marketing name for The Northwestern Mutual Life Insurance Company and its subsidiaries. Life and disability insurance, annuities, and life insurance with long-term care benefits are issued by The Northwestern Mutual Life Insurance Company, Milwaukee, WI (NM). Long-term care insurance is issued by Northwestern Long Term Care Insurance Company, Milwaukee, WI, (NLTC) a subsidiary of NM. Securities are offered through Northwestern Mutual Investment Services, LLC, (NMIS) a subsidiary of NM, broker-dealer, registered investment adviser, member FINRA and SIPC. Fiduciary and fee-based financial planning services are offered through Northwestern Mutual Wealth Management Company® (NMWMC), Milwaukee, WI, a subsidiary of NM and a federal savings bank. Products and services referenced are offered and sold only by appropriately appointed and licensed entities and financial advisors. Not all products and services are available in all states. Not all Northwestern Mutual representatives are advisors. Only those representatives with the titles "Financial Advisor" or "Wealth Management Advisor" are credentialed as NMWMC representatives to provide advisory services.